Insurance companies are not always clear when it comes to explaining your coverage in the event of a water emergency. Your insurance coverage can vary a great deal depending on the provider, as well as the specific policy and any applicable riders. It is best to know the details when assessing your insurance coverage and starting the water damage cleanup process.
Damage typically covered by insurance may include:
Sewer backups (often termed fill-ups by insurance)
Appliance malfunctions or overflows, discharges or fill-ups
Weather - related water damage from melting snow, ice or tornadoes
Your specific coverage is dependent on your homeowner’s policy guidelines and deductibles. Check with your insurance provider about your policy details for more information and to stay fully informed in the event of an emergency.
Typically, most insurance companies cover unexpected water damage. Damage caused by an ongoing issue or structural problem may not be covered. Before we start any work, the plumbing professionals at Roto-Rooter will contact your insurance carrier to determine your coverage. We will also work directly with your local adjuster throughout the process, making it less of a headache for you. Your insurance carrier may determine coverage by the cause and extent of the damage, and some coverage may be limited.
Roto-Rooter’s estimators are experienced at dealing with insurance companies and local adjusters. Our prompt team of professionals will thoroughly document your loss, with photos taken before work begins, during the cleanup and restoration process, and after our work is completed. We will also include sketches and drying logs as part of our water damage clean up process. Our experts will work hard to ensure a hassle-free experience for you from start to finish.